Have you ever asked yourself why your earnings never see you through the month end or why borrowing from colleagues every month has become a thing?

If you've always found yourself borrowing from friends and colleagues before payday, you've got to start paying attention to how you spend your money.

You might argue that your salary is not enough to take care of your financial responsibilities, but sometimes, your financial habits could be responsible for the reason why your income doesn't see you through the end of another month.

So, here are a few reasons why you get completely broke few days before payday.

(Pinterest)

2. Spending money before you have it

The currency name NAIRA was coined in 1973.

(Daily Trust)

Spending your money before you have it is one of the major reasons people run out of cash before month end. Failure to plan your spending will prompt you to spend your money anyhow and before you know it, you are broke again.